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  • 1. FINC 3031 PERSONAL FINANCE Instructor: Grady Perdue, Ph.D., CFP® Office Hours: As stated in class Office: Bayou 3121 Phone: (281) 283-3213 E-mail: perdue@uhcl.edu Text: Personal Financial Planning, 2nd ed., by Ho, Perdue, and Robinson Calculator: You will need a financial calculator for this course. I personally prefer the Hewlett-Packard 10-B, but get the financial calculator of your choice. Course Content: Practical financial management of personal money matters, budgeting, insurance, taxes, borrowing, saving, investing and retirement and estate planning. NOTE: This course will not satisfy the B.S. in Finance requirement. Course Format: The course is taught by use of lectures, classroom discussions, and a research project. Grading: There will be two exams, homework and a term project. Each exam counts 25 percent of your final grade. Format for the exams will be announced prior to each exam. The homework counts 16 percent of your grade. Late assignments are not accepted. The term project counts 34 percent of your grade. The project is due by June 26. There will be a severe grade penalty for late projects. An incomplete on a final grade will ONLY be given in accordance with UHCL policy.
  • 2. Disabilities: If you have any special needs due to a disability, please contact Disability Services by calling 281-283-2627. That office will let me know how I may best accommodate your participation in this course. Term Project: Each student will be assigned to develop his/her own financial plan. You will utilize the material learned during this course. If you mail me your term project, it should be sent "return receipt requested". The postmark date will be the date I will consider it as being turned in. Make-ups: If you miss the first exam, the second exam counts for both the missed exam and for the exam you take. If you miss the second exam, you must arrange with the instructor to take a separate make-up exam. The format of the make-up may not be identical to the original exam. Ranges for final grades are: C+ = 77.00-79.99 A = 93.00-100.00 C = 73.00-76.99 A- = 90.00-92.99 C- = 70.00-72.99 B+ = 87.00-89.99 D+ = 67.00-69.99 B = 83.00-86.99 D = 63.00-66.99 B- = 80.00-82.99 D- = 60.00-62.99 F = below 60 Academic Honesty Policy: The Academic Honesty Policy of UHCL states: Academic honesty is the cornerstone of the academic integrity of the university. It is the foundation upon which the student builds personal integrity and establishes a standard of personal behavior. Because honesty and integrity are such important factors in the Finance community, you should be aware that failure to perform within the bounds of these ethical standards is sufficient grounds to receive a grade of "F" in this course and be recommended for suspension from UHCL. The Honesty Code of UHCL states: I will be honest in all my academic activities and will not tolerate dishonesty. Last day to withdraw from course: June 18, 2007
  • 3. Attendance policy: Attendance is not required. However, there normally is a very strong correlation between class attendance and the ability to perform well on the exams and the term project. Extra Credit: It does not exist. Don’t bother asking. Powerpoints: coursesite.cl.uh.edu/bpa/perdue
  • 4. SEMESTER SCHEDULE, part 1 It is impossible to anticipate how fast we will cover each chapter in this course. Therefore, I will give you the order of in which we will be taking up the chapters, so you may plan ahead in your reading assignments. (The chapters are taken in the order that they appear in the text.) Certain chapters are grouped for conceptual purposes. CH. 1 Introduction CH. 2 Time Value of Money CH. 3 Setting Goals CH. 4 Measuring and Controlling Personal Finances CH. 5 The Life Cycle and Financial Intermediation CH. 6 Personal Income Tax CH. 7 Income Tax Planning CH. 8 Risk Management CH. 9 Life, Health and Disability Insurance CH. 10 Property, Home and Automobile Insurance CH. 11 Credit and Debt Management CH. 12 Buying and Home and Mortgage Financing CH. 13 Principles of Investments CH. 14 Types of Investments CH. 15 Mutual Funds CH. 16 Retirement Planning CH. 17 Maturation of the Retirement Plan (Estate planning) CH. 18 Comprehensive Planning
  • 5. SEMESTER SCHEDULE, part 2 Class meeting Special class activities† 05-29 05-30 05-31 06-04 06-05 06-06 06-07 06-11 06-12 06-13 First exam 06-14 06-18* Last day to drop a class 06-19 06-20 06-21 06-25 06-26 Project due at class 06-27 06-28 Final Exam † If no special item is listed as a special activity, class still meets. We will have regular lecture and reading assignments. * June 18 is the deadline to drop a 1st 5-weeks class